Personal loans in Flower Hill, NY

Between the 2020 Census base and the 2023 estimate, Flower Hill's population barely changed. Flower Hill is a small community of about 4,791 residents, and a personal loan taken out here is governed by New York statute.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Flower Hill ranks 175th of 595 places in New York, with a population near 4,791. The closest larger place is North Hills, NY about 2 miles away. A lender that serves Flower Hill operates under New York lending statutes and a New York supervisor. Judge Flower Hill offers on total cost, not on how quickly the money arrives.

The Flower Hill data picture

What follows is Flower Hill's place in the Census record, alongside the New York rules that govern a personal loan made here.

The New York lending rules that reach Flower Hill

Every row below records a New York rule, its publisher and its retrieval date — the same rules a Flower Hill lender must follow.

RuleDetailSource
State lending regulatorNew York State Department of Financial Services (DFS)
Source says: "Notify the Department of Financial Services at (800) 342-3736 if you believe payday loans are being made in New York"
New York State Department of Financial Services
as of 2026-09-16
Criminal usury in the second degree (Penal Law 190.40)Interest rate exceeding 25% per annum; class E felony
Source says: "at a rate exceeding twenty-five per centum per annum or the equivalent rate for a longer or shorter period"
New York State Senate (Open Legislation)
as of 2026-09-16
Maximum legal interest rate (usury cap)16% per annum maximum civil rate (Banking Law 14-a; General Obligations Law 5-501)
Source says: "The maximum rate of interest provided for in section 5-501 of the general obligations law shall be sixteen per centum per annum."
New York State Senate (Open Legislation)
as of 2026-09-16

Inside a Flower Hill personal loan

Most loans made to Flower Hill's 4,791 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Flower Hill loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Flower Hill decides the split between a comfortable payment and the total interest you pay.

Where Flower Hill sits

The Census Gazetteer records about 1.6 square miles of land within Flower Hill, with no significant water area listed. With 4,791 residents, the land area yields roughly 2,972 people per square mile. For the state's biggest city, New York, the distance is roughly 17 miles. A 50-mile radius around Flower Hill takes in 232 places that are larger. By land area it ranks 259th of 595 New York places.

Getting a loan in Flower Hill

Flower Hill is fairly dense, with about 2,972 people per square mile and 232 larger places within 50 miles. A New York licence lets a lender serve Flower Hill without a local office, so branch density does not change what its 4,791 residents are offered. The nearest larger city, North Hills, NY about 2 miles away.

How Flower Hill compares across New York

Against New York's other places, Flower Hill accounts for about 0.0% of the state's population and ranks 175th of 595 by size. Its 2020-to-2023 change ranks 103rd of 595 New York places, putting it near the 83th percentile for growth. At about 2,972 people per square mile, Flower Hill is the 144th most densely settled place in New York. Between 2020 and 2023 the count changed by roughly 1 residents.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Flower Hill if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Flower Hill is the same as anywhere in New York.
What loan size can I expect in Flower Hill?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Flower Hill?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Flower Hill cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Related